摘要
在我国商业银行竞争领域，人民币业务竞争已经随着大银行规模
效应、外资银行全面进入、地方银行遍地开花而进入白热化阶段。比
起国有五大行的垄断地位、外资银行的客户群优势和跨国合作优势，
我国中小商业银行的生存与发展逐年艰难。为避免激烈的价格竞争，
我国中小银行不得不打开一片新天地，以求在激烈的竞争中获取一席
之地。

国际业务在我国的商业银行发展中，属于相对新的领域。除了中
国银行由于历史原因稳居首位外，其他银行的国际业务发展均较为滞
后。根据国际经验及实务经验可见，国际业务乃低风险、高收益的业
务，且伴随着国际业务可以带来存贷款业务、外汇业务、中间业务等
多种业务，并为银行创造存贷款收入、汇兑收入及手续费收入等中间
业务收入。

中小商业银行若想要在国际业务上有所突破，除了思想、机制、
人员配置上的变革外，还要认清问题所在并解决问题。除此以外，最
重要的在于善于洞察业务机会，把握时机抢占先机，并以最快的速度
协调全行各相关部门推展、落实业务，方能从竞争中占得一席之地。

关键词：商业银行，国际业务，外汇，
ABSTRACT
RMB business in China’s commercial bank industry is becoming
more competitive with the economic scale of large banks, comprehensive
inflows of foreign banks and burning development of local banks.
Comparing with the absolute advantages of monopoly of top five banks,
customer base and cross-border cooperation of foreign banks, small &
medium sized commercial banks in China are suffering issues of survive
and development. As to avoid intensive price competition, China’s small
& medium sized commercial banks have to explore new business area in
order to retain market share in the fierce competition.
International business is considered as a new business in the history
of China’s commercial banks’development. Duo to historical reasons, the
banks of China ranks the first in the development of international
business, while other banks in China reflected as relativelyunderdeveloped. Depending on pervious foreign practices and experience,
international business is a relatively low risk, high yield banking business.
Furthermore, with the implementation of international business, a series
of corresponding banking businesses, for instance, deposit, loan, foreign
exchange, intermediate business, etc. can be achieved, therefore bringing
income of deposit, loan, foreign exchange, intermediate businesses and
fee.
In order to achieve a breakthrough in the international business,
transform of ideas, mechanisms and staffing in the small & medium sized
commercial banks should be taken into account. Moreover, the key of the
issue indicates that observing every opportunity of business, seizing every
possible chance in the first place, coordinating business between
departments efficiently.
KEY WORDS: commercial bank, international business, foreign currency。。。